Money

It makes the world go round. Well, it certainly makes my head g o round.And round. And round.

I am in a financial pickle. Every single penny at the moment counts. I am unable to save for anything and so if something goes wrong, we are totally screwed.

To be fair, I have never been very good with money. I have always been able to spend more money than what I actually have. When hubby lost his job all those moons ago, I got a loan and a credit card and things just went downhill from there. We have had emergencies come up and the only way I have been able to cover them have been through credit cards. I have taken the children away on holiday – only accomplished through credit cards and loads. I have only managed Christmas the past few years through credit card and credit accounts. I owe £15,500 in credit card debt. I have £7180 in loans. I have £2100 in shopping accounts. That is a massive total of just under £31,500. I don’t know what to do.

Clearly, the answer is to stop spending money. However, with three children – that isn’t possible. I need to start making savings. I shall call my energy supplier tomorrow and also my mobile phone company and see what savings I can make there. I don’t know if it will be worth trying to call the credit card companies and see if anything can be done to help me.

I have two loans finishing in just over a year which will free up a fair amount of cash and I can see about paying off the credit cards, although I have a couple of big ones that I cannot see being able to pay off without a consolidation loan.

Perhaps I need to pray for a miracle?

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Housework update

Well – I was a lot more achy than I envisaged and it took a lot longer than I envisaged too!

I have these jobs still to do…

  • change the bed sheets in my room
  • dust in my room
  • hoover my room
  • organise my bedroom drawers
  • organise and tidy the wardrobe
  • get rid of the washing from my room
  • empty the bin.
  • change the bed sheets in T’s room
  • dust in T’s room
  • hoover T’s room
  • organise the toys in T’s room
  • organise and tidy T’s wardrobe
  • get rid of the washing from T’s room
  • empty the bin.
  • change the bed sheets in the girl’s room
  • dust in the girl’s room
  • hoover the girl’s room
  • organise the toys in the girl’s room
  • organise and tidy the girl’s wardrobe
  • get rid of the washing from the girl’s room
  • empty the bin.
  • Hoover the landing
  • dust the landing
  • wash the walls
  • clean the woodwork
  • clean the bathroom floor
  • clean the bath
  • organise the bathroom toys
  • clean the sink
  • clean the toilet
  • organise the toiletries
  • sort the towel cupboard
  • hoover the stairs
  • dust the banister rail
  • do the washing
  • iron

I may have a second wind in a bit and do a little more work before bed.

Holiday!

Hoorah! We have broken up for the summer holiday today and it could not come soon enough. It has been a long week – culminating in absolute mayhem yesterday. Everyone’s emotions are running high and it has been a bit of a bitchfest.

Anyhow – continuing on with the summer plan of making use of my time – tomorrow is the big clean. I plan on getting up and getting to the shop for supplies. I don’t have oodles and oodles to do but I have enough!

The plan:

  • change the bed sheets in my room
  • dust in my room
  • hoover my room
  • organise my bedroom drawers
  • organise and tidy the wardrobe
  • get rid of the washing from my room
  • empty the bin.
  • change the bed sheets in T’s room
  • dust in T’s room
  • hoover T’s room
  • organise the toys in T’s room
  • organise and tidy T’s wardrobe
  • get rid of the washing from T’s room
  • empty the bin.
  • change the bed sheets in the girl’s room
  • dust in the girl’s room
  • hoover the girl’s room
  • organise the toys in the girl’s room
  • organise and tidy the girl’s wardrobe
  • get rid of the washing from the girl’s room
  • empty the bin.
  • Hoover the landing
  • dust the landing
  • wash the walls
  • clean the woodwork
  • clean the bathroom floor
  • clean the bath
  • organise the bathroom toys
  • clean the sink
  • clean the toilet
  • organise the toiletries
  • sort the towel cupboard
  • hoover the stairs
  • dust the banister rails
  • clean the downstairs toilet
  • clean the downstairs toilet sink
  • clean the downstairs toilet floor
  • clean the hallway floor
  • clean the woodwork in the hall way
  • clean all the surfaces in the kitchen
  • clean the microwave
  • clean the oven
  • do the washing
  • organise the cupboards
  • organise the freezer
  • organise the fridge
  • tidy surfaces in the living room
  • dust the living room
  • hoover the living room
  • mop the living room floor
  • tidy up the garden
  • iron

Mmmm – it does appear that I actually have a lot of work to do!

That is the plan for tomorrow. Sunday, I hope to be out in the garden and write a bit of fan fiction 🙂

Five to go

And then we break up for the summer holidays. It cannot come soon enough. I still have a fair few things that still need organising – like I have to get all my school trips books before the end of term – I still need them authorising!

Monday – sort trips, mark books, send letters for face painting

Tuesday – do school production

Wednesday – leavers meals at the end of the day

Thursday – leavers assembly

Friday – last day. Might actually be able to start sorting my classroom

I feel like there is so much to do in terms of organising but I am running out of time to do it.  I am not sure what is stressing me the most!

 

Limping home

It is certainly been a long penultimate week. I feel like I am treading water.

Work is manic. There is so much stuff to be done. The play, leavers meal, leavers assembly – all whilst trying to do regular lessons and keep on top of a class of children who were ready to leave 3 weeks ago. And all the politics that go along with school. 🙄

I am back to worrying about money again. I just feel so sorry for the kids that they are getting a bum deal with stuff over the holidays. I can barely afford to keep us in necessities, let alone extras for the holiday. I can only hope that a) there is overtime on and b) hubs is willing to do it. The latter being harder than the former. I can’t ever see me being debt free.

10 more get ups!

It is nearly the end of the summer term and the holidays are in sight. I met my new class today and I am hopeful that they will be better behaved than my class this year.

I am so looking forward to the break. I still need to come up with my holiday plan though!

 

Whoops!

Only one blog post in June. It must mean that things are going well. I must admit, I do have a good feeling this weekend.

We are 15 more school get ups away from the summer holidays and I cannot wait! I am going to be thinking of my summer plan tomorrow – how I am going to make sure I can use my time wisely!

 

Blog more frequently you say.

Yeah, yeah – I know. Life gets in the way. I keep going to blog but then stuff comes up and I get distracted. I wish you could telepathically write a blog – so much easier. I liked the update format of last post, so I shall do the same.

House

Still trying to keep on top, hubby still not pulling his weight, still not done the little jobs (washing line is still there). It’s maddening because if the garden was done – the dog could go out more.

Work

I must be doing something right because I get to keep my TLR and I am being made a phase leader. I am supporting a colleague next week in literacy, so that will be interesting 🙂

Family

Things are the same with my mum and Dad. It was little sisters birthday last week. I did not acknowledge it. It doesn’t feel good doing so but I am still so angry and hurt. I don’t think I’ll get past this.

The children are good. I am working on a summer activity plan that will cost the bare minimum (see further down).

Dog

The dog was able to go for his first walk last Sunday. It is great to finally be able to take him out. He really enjoys it too! He is getting so big – his appetite is ravenous!

Money

We are brassic. We’ve gotten into a stage where we are literally only able to afford food and petrol. J needs new school shoes – goodness knows how we’ll afford new uniform. All 3 have their birthdays coming up, and then of course it is Christmas. I honestly don’t know how we will afford it. We have a little extra money this month but already the hubby was planning on staying home from work today because of it. He has the slightest sniffles. Even though I get sick pay, I still go in when I feel that way, yet he thinks he should have the time off (he doesn’t get sick pay). He just does not seem to understand the gravity of the situation. I can only hope there is overtime in the summer. He just doesn’t have the same attitude though. I am busy trying to find ways of making extra money and he can’t be arsed.

I need a lottery win